Effective Date: [Insert Date]

1. General
By using our services or purchasing our products, you agree to these Payment Terms. All transactions are subject to verification and acceptance.

2. Pricing
All prices are listed in [Currency, e.g., INR/USD], inclusive or exclusive of applicable taxes, as specified. Prices may change without prior notice, but confirmed orders will not be affected.

3. Payment Methods
We accept the following payment methods:

• Credit/Debit Cards

• UPI

• Bank Transfer

• Wallets

• [Any other accepted method]

All payments must be made in full before delivery or access to services unless otherwise agreed in writing.

4. Invoicing & Receipts
You will receive a digital invoice and/or receipt upon successful payment. Keep this for your records.

5. Payment Processing
All payments are securely processed through trusted third-party gateways. We do not store card or sensitive payment details on our servers.

6. Refund Policy
Refunds are subject to our [Refund Policy]. No refunds will be issued for completed services or digital products unless required by law.

7. Late Payments
In cases where invoices are used (e.g., for enterprise clients), any payment overdue beyond [e.g., 15 days] may incur a late fee or interest as per applicable law.

8. Disputed Charges
If you believe a charge has been made in error, please contact us at [support email or phone] within 7 days of the transaction.

9. Taxes
You are responsible for all applicable taxes, duties, and fees associated with your purchase unless otherwise specified.

10. Changes to Payment Terms
We reserve the right to modify these terms at any time. Updates will be reflected with a new effective date.

11. Contact
If you have questions or concerns about these Payment Terms, contact us:

[Your Company Name]
[Your Address]
Email: [your@email.com]
Phone: [your phone number]